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Web you need to fill out an evidence of insurability (eoi) form if you are requesting amounts of voluntary life insurance above the guarantee issue amount. Eoi is an application process through which you provide information on the condition of your health or your dependent's health in order to. Web evidence of insurability, also known as eoi, often presents challenges for administrators, who need to coordinate between employees, employers, and insurance carriers for. Web evidence of insurability (eoi) is a process where your insurance carrier determines whether you (or your dependents) are eligible for certain benefits.